Dec 2020 – Present · 5 yrs 3 mos · United States

• Lead fraud and credit risk strategy engagements for top U.S. fintechs and banks across credit cards, personal loans, and auto/home improvement lending.
• Credit Risk & Underwriting: Developed risk models (PD/LGD/EAD) and LTV/NPV models using bureau and alternative data, enabling tiered pricing and risk-based decisioning that improved approval rates by 5% and portfolio profits by $3M+.
• Fraud Risk Strategy: Built and deployed ML-based fraud detection models leveraging device, identity, and behavioral data from vendors like iOvation, Emailage, and ThreatMetrix — reducing application fraud losses by ~$5M annually. Designed fraud-tiering frameworks and verification strategies that improved detection precision while minimizing friction.
• Portfolio Optimization: Designed policies for line management, inactive closures, and delinquency authorization, driving $6M+ incremental profit
• Loss Forecasting: Spearheaded neural network–based loss forecasting for top U.S. auto and home-improvement lenders, improving model accuracy by ~12%.
• Collections & Servicing: Built ML-based modification and extension models that improved recovery profitability by $1M/year and reduced roll rates by 5%.
• Marketing & Growth Analytics: Designed DM response and LTV models for acquisition and retention campaigns, boosting campaign ROI and expanding targetable segments.
• Leadership: Hire, mentor, and lead a global team of 15+ analysts and data scientists, fostering collaboration across business, data science, and engineering.